Teaneck, NJ · Cert 34366
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.07%1 | 0.85% | 0.73% | 1.23% | 0.95% | 0.87% | 0.83% | +10 bps | |
| Return on Equity | 2.41% | 0.62% | 8.53% | 7.77% | 13.36% | 10.03% | 10.05% | 9.96% | +220 bps | |
| Net Interest Margin | 3.43% | 3.48% | 3.85% | 3.50% | 3.43% | 3.57% | 3.47% | 3.55% | +5 bps | |
| Efficiency Ratio | 89.26% | 78.90% | 70.89% | 80.16% | 70.05% | 73.97% | 63.37% | 65.53% | -1,463 bps | |
| Non-Interest Burden | 3.02% | 2.60% | 2.52% | 2.68% | 2.13% | 2.46% | 1.86% | 2.07% | -61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.40% | 49.20% | 42.78% | 39.39% | 31.93% | 20.52% | 36.10% | 15.15% | -2,424 bps | |
| Loan Growth (YoY) | 16.33% | 14.20% | 24.14% | 30.21% | 30.62% | 40.66% | 28.84% | 23.98% | -623 bps | |
| Deposit Growth (YoY) | 39.53% | 62.15% | 49.20% | 43.76% | 34.45% | 20.37% | 37.91% | 16.29% | -2,747 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.01% | 0.03% | 0.00% | 0.00% | 0.24% | 0.04% | 0.00% | 0 bps | |
| Allowance / Loans | 0.78% | 1.12% | 1.14% | 1.11% | 1.03% | 0.92% | 0.94% | 0.94% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.57% | 17.59% | 15.57% | 15.17% | 14.27% | 13.32% | 12.58% | 13.21% | -196 bps | |
| Equity / Assets | 11.39% | 10.14% | 9.78% | 8.97% | 9.51% | 9.46% | 8.04% | 8.60% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.85% | 71.85% | 77.40% | 70.65% | 79.52% | 83.96% | 72.31% | 75.32% | +467 bps | |
| Liquid Assets / Assets | 5.73% | 20.73% | 3.08% | 11.06% | 7.33% | 5.55% | 14.12% | 6.18% | -489 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |